| Metric | Patterson State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.4% | +3.3 pts |
| Deposit growth (YoY) | +8.0% | +4.0% | +4.0 pts |
| Loan growth (YoY) | -1.7% | +5.6% | -7.3 pts |
| ROA | 0.61% | 1.24% | -0.6 pts |
| ROE | 8.0% | 11.9% | -3.9 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $330.7M | $296.3M | $190.2M | $26.4M | $1.0M | 0.61% | 3.03% | 1.16% |
| Q1 2026 | $332.0M | $298.2M | $190.1M | $26.1M | $504K | 0.59% | 2.98% | 0.32% |
| Q4 2025 | $352.9M | $319.0M | $192.8M | $25.8M | $1.2M | 0.37% | 2.91% | 0.25% |
| Q3 2025 | $310.1M | $276.7M | $193.3M | $25.2M | $837K | 0.35% | 2.93% | 0.24% |
| Q2 2025 | $307.2M | $274.4M | $193.5M | $24.5M | $566K | 0.35% | 2.90% | 0.06% |
| Q1 2025 | $316.1M | $284.2M | $193.7M | $24.1M | $245K | 0.30% | 2.74% | 0.31% |
| Q4 2024 | $341.8M | $310.2M | $192.7M | $23.3M | $677K | 0.21% | 2.80% | 0.01% |
| Q3 2024 | $305.8M | $272.9M | $187.5M | $24.8M | $940K | 0.39% | 2.83% | 0.21% |
Loan mix (Q2 2026): real estate $167.5M · commercial $14.7M · consumer $7.0M · securities $94.4M
| Ratio | Patterson State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 62.9% | 82th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Patterson State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Patterson State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Patterson State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Patterson State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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